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Actually if you are exchanging anything over 3K, just call around for rates, take the best rate (say if it's 0.954) and add a lil bit more (say 0.950) and hit up your bank, in my case with RBC, they would match or even beat that rate most of the time.
In FOREX, it's all about volume, the more you have, the better rate you would get. Big banks tend to exchange a much larger sum in a day than what an exchange house would do in a week or even month. Thus, they could offer better rate if they decide to do so.
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Nothing for now
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